---
title: "Real-Time Payments (RTP): The Future of Instant Money Movement"
description: In this episode of the Merchant Sales Podcast, James Shepherd and Patti Murphy sit down with Jim Colassano, Senior Vice President at The Clearing House, to break down the RTP (Real-Time Payments) network and why instant money movement could reshape merchant settlement, cash flow, disbursements, and business payments. They discuss how payments can settle in seconds, why adoption is accelerating, and what ISOs and processors need to do now to stay competitive.
image: https://www.ccsalespro.com/hubfs/featured%20image-2.png
---
# Real-Time Payments (RTP): The Future of Instant Money Movement
In this episode of the Merchant Sales Podcast, James Shepherd and Patti Murphy sit down with Jim Colassano, Senior Vice President at The Clearing House, to break down the RTP (Real-Time Payments) network and why instant money movement could reshape merchant settlement, cash flow, disbursements, and business payments. They discuss how payments can settle in seconds, why adoption is accelerating, and what ISOs and processors need to do now to stay competitive.
[ James Shepherd ](https://www.ccsalespro.com/podcast/author/james-shepherd)
Feb 13, 2026
---
Real-time payments are already transforming how money moves, but most payment professionals still don’t understand the opportunity.
In this episode of the Merchant Sales Podcast, James Shepherd and Patti Murphy sit down with Jim Colassano, Senior Vice President at The Clearing House, to break down the RTP (Real-Time Payments) network and why instant money movement could reshape merchant settlement, cash flow, disbursements, and business payments.
They discuss how payments can settle in seconds, why adoption is accelerating, and what ISOs and processors need to do now to stay competitive.
The episode also includes a **Today in Payments** segment with Patti Murphy covering major industry news, including interchange legislation, consumer spending trends, digital wallet adoption, and emerging payment innovations.
If you’re a merchant sales agent, ISO owner, or payments professional, this episode will help you understand one of the biggest infrastructure shifts happening in the payments industry today.
[Merchant Sales Podcast](https://soundcloud.com/merchant-sales-podcast) · [Real-Time Payments (RTP): The Future of Instant Money Movement](https://soundcloud.com/merchant-sales-podcast/real-time-payments-rtp-the)
[](https://www.ccsalespro.com/2026) [](https://fullstackpayments.com/download-app?utm_medium=email&_hsenc=p2ANqtz-_ixTBkRdnNdK04oCUWDi0LV5zrtP-pTLxi4WQfzzPQYBJJnri3hmdrkID4kxlR5uYYjdCuOgEgaofCtMmq3v3Yk1xpmw&_hsmi=362963412&utm_content=362963412&utm_source=hs_email) [](https://www.ccsalespro.com/how-to-sell-merchant-services-in-6-steps) [.jpg "GetIsoAmp.com")](https://getisoamp.com/index.php/request-demo/)
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